Keokuk, IA · Charter 65198
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Keokuk, IA · Charter 65198
Q1 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.25% | 1.15% | 0.97% | 1.34% | 1.21% | 1.46% | -3.28% | -425 bps | |
| Return on Equity | 7.37% | 5.85% | 5.22% | 4.29% | 5.96% | 5.33% | 6.09% | -14.05% | -1,834 bps | |
| Net Interest Margin | 4.54% | 4.37% | 4.35% | 3.93% | 3.87% | 3.56% | 3.98% | 2.58% | -135 bps | |
| Efficiency Ratio | 67.69% | 72.42% | 74.25% | 75.38% | 65.37% | 66.03% | 63.31% | 224% | +14,909 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | 1.73% | -0.58% | -3.40% | -2.11% | -1.22% | -2.01% | -1.72% | +168 bps | |
| Loan Growth (YoY) | -14.31% | -17.40% | -20.73% | -25.77% | -18.64% | -16.23% | -13.03% | -27.99% | -223 bps | |
| Share Growth (YoY) | 3.94% | 0.39% | -1.94% | -5.35% | -4.14% | -3.07% | -4.77% | -2.73% | +262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 15.02% | 15.80% | 16.91% | 21.93% | 3.62% | 3.69% | 14.28% | -263 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.98% | 4.57% | 5.04% | 5.43% | 5.09% | 5.45% | 5.80% | 7.53% | +211 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.87% | 21.35% | 22.03% | 22.53% | 22.52% | 22.71% | 23.94% | 23.33% | +80 bps | |
| Net Worth / Assets | 20.87% | 21.35% | 22.03% | 22.53% | 22.52% | 22.71% | 23.94% | 23.33% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.06% | 56.93% | 53.14% | 50.33% | 52.67% | 49.19% | 48.53% | 37.26% | -1,307 bps | |
| Liquid Assets / Assets | 52.40% | 56.01% | 59.42% | 61.90% | 60.25% | 61.66% | 64.29% | 72.57% | +1,066 bps | |